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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,222 | $45,050-88.4% | $63,018-91.7% | $70,126-92.6% |
| Participation rate | 30.0% | 69.5%-39.5pp | 74.8%-44.8pp | 69.5%-39.5pp |
| Annual return | 10.53% | 18.76%-8.2pp | 87.62%-77.1pp | 73.15%-62.6pp |
| Employer contribution / active EE | $0 | $2,052-100.0% | $2,761-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $253 | $2,466-89.7% | $3,330-92.4% | $3,332-92.4% |
| Admin fee / account holder | $355 | $2,834-87.5% | $3,601-90.1% | $4,645-92.4% |